North American Bancard — Local services in Troy

Urgent Warning: Our Alarming Experience with ProMerchant and North American Bancard 🚫 ALSO PAYANYWHERE Avoid ProMerchant and North American Bancard 🚫

/DO NOT LET THE FAKE COMPANY RESPONSES FOOL YOU…THEY ARE DOING DAMAGE CONTROL.*🤬

Dear Business Community,

I feel compelled to issue a strong warning against using ProMerchant and North American Bancard based on a harrowing experience that not only disrupted our operations but also jeopardized our future banking relationships.

After being inaccurately accused of exceeding a $40,000 processing limit with $56,000 in transactions—while our actual volume was around $33,000—our funds of approximately $23,000 were frozen. Despite providing bank statements to prove our case, our account was inexplicably closed, citing our inability to "sustain the cash flow," a baseless and poorly explained reason. 😡

Though they eventually released our funds, the closure of our account was done without just cause. This action has a severe repercussion: it places us on the MATCH list, significantly hindering our ability to secure a new merchant account with any reputable bank. This outcome, through no fault of our own, puts us in a precarious position, highlighting a gross mishandling by ProMerchant and North American Bancard. 🚫

The initial promise of support from ProMerchant quickly dissolved into inaction, leaving us to navigate these challenges independently. This lack of support and the subsequent consequences of their actions reveal a startling disregard for customer care and professional ethics. 🤥💔

Our experience is a stark illustration of the critical importance of choosing a merchant services provider that operates with integrity, transparency, and respect for its clients. ProMerchant and North American Bancard's conduct—incorrectly freezing funds, unjustified account closure, and the consequential risk of being blacklisted—underscores a profound lack of business ethics.

I urge you to consider this warning seriously if you're in the process of selecting a merchant service provider. Your business deserves a partner that supports your growth and respects your financial stability, not one that jeopardizes it on baseless grounds.

Protect your business's future by choosing a provider with a proven track record of reliability and fairness.

DO NOT LET THE FAKE COMPANY RESPONSES FOOL YOU…THEY ARE DOING...

Be careful when signing up with EPX. When you give them access to your accounts, they'll help themselves.

April 2019 - We called the representative that signed us up and trained us on the equipment, to cancel our account. She told us that they would cancel the account and get a box sent to us to send our machine back.

September 2019 - Never received the box and notice we've been charged $304.50 in charges for May-September. Called the rep. again. They said, "Oh they didn't cancel it? I'll get the charges reversed and get a box sent over to you".

November 2019 - No more charges are coming out, but notice I still haven't received the $304.50 back. I call my rep. I leave voicemails, texts, and e-mails. No response. I call customer service. They tell me I need to go after my rep. since they're the ones that promised me a charge back.

December 2019 - Still can't get a hold of our rep.

January 2020 - We see a charge for $895 from EPX on Jan. 2nd. I call customer support. They inform me that it's for the equipment charge since I never returned the credit card machine. I explained that I was still waiting for the return box. The customer service rep. then informed me that they do not send out return boxes and that I should have received an e-mail explaining that I had 10 days to return my equipment, and that there is no flexibility on this rule. We looked back through our inbox and spam and show no such e-mail (we don't delete anything!). The customer service rep. now tells me that I need to go after the local rep. who promised the return box. This is the same rep. who EPX trusted to train us on the system, sign their agreements, and cancel our account for us. That same person incorrectly informed me on how to return the machine.

EPX is more worried about keeping the $895 than they are about their integrity and reputation.

I also spoke to another local business owner who initially recommended EPX to us. I asked if she still had an account with them. She told me no, but that she was still waiting for a return box for her machine. I asked her who told her she would receive a return box? She named the same rep. I told her she better check her account for an $895 charge. She'll be...

Sad to have to write a negative review but this company is really one of the worst. We are owed money but were getting charged fees that they didn’t inform us of.

Instead of getting our hard earned money, they kept all of it and made us pay over $100.00 in penalties.

Make sure you read documents that you signed ahead of time. It is understandable that companies charge fees for various reasons. However, if you are the one charging the fees and it is obvious that the clients are not aware of these fees, shouldn’t you reach out to them and tell them, instead of just sending emails that get lost?

Also, when your customers reach out to you several times trying to resolve any account issues so they can receive their payments, don’t you think that you should tell them about these fees? Well, not once during any of the phone calls did anyone tell us about any fees or penalties.

The only time was today, when we were closing the account and were transferred to the collections department. The representative explained everything when it’s all too late.

The representatives selling the equipment mislead you and don’t inform you of penalties, nor contact you if any issues. Seems they are just worried about their commission.

No other company has given this kind of problem. I don’t know if they should be called scam artists, but very poor business practices for sure.

Worst customer service for these reasons. We should have done more research before ever signing up with this company. Use Square or even Zelle and avoid fees altogether!

I have to hurt anyone’s business but this is just very poorly run with respect to caring for customers. The little bit of revenue we generated using your machine, you leeched and robbed from us.

All good. Lesson learned and...